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Navy Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 15 October 2023
Fact checked

Navy Federal Credit Union auto loans overview

Navy Federal Credit Union logo

Navy Federal Credit Union (NFCU) provides products and services to the military, veterans, DoD employees, and their family members. NFCU offers auto loans with great rates and flexible repayment terms extending up to 96 months. Members can choose from a variety of loans tailored for cars, motorcycles, boats, campers, recreational vehicles, travel trailers, ATVs, and more.

Want to see what an NFCU auto loan will cost? Try the Navy Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Navy Federal Credit Union auto loan features

  • Minimum loan amount: $30,000 for terms of 85 to 96 months.
  • Maximum loan amount: Up to 100% financing.
  • Interest rates: From 4.54% APR.
  • Loan terms: Up to 96 months.
  • Loan fees: No application fee.
  • Discounts: Discounts for military members

NAVY FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re purchasing your first ride or upgrading, you can secure low-rate auto loans at NFCU. Rates begin as low as 4.54% APR, and repayment periods can extend for up to 96 months. You may also qualify for exclusive discounts if you’re a military member.

Motorcycle, boat, and RV loans

If you’re looking for adventure, you can also apply for loans for motorcycles, mopeds, personal watercraft, campers, recreational vehicles, travel trailers, ATVs, and snowmobiles. For boats, the starting rate is 7.45% APR, while motorcycles and other eligible vehicles begin at 7.95% APR. Depending on your vehicle type, you can finance for up to 180 months.

Navy Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Navy Federal Credit Union

Navy Federal Credit Union auto loan

Navy Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Navy Federal Credit Union auto loan
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Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Navy Federal Credit Union auto loan

Eligibility criteria

Even if NFCU doesn’t disclose the criteria for vehicle financing, you should normally be:

  • A member of NFCU
  • 18 years old or older
  • A legal resident
  • Employed or have a dependable source of income

Along with the criteria, it’s beneficial to be aware of the steps on how to get a car loan. This will help you prepare for the loan process and make better decisions before applying for a loan. Also, you can gain insight into how to get lower rates and flexible terms.

How to join Navy Federal

NFCU membership is open to:

  • Service members in all branches of the armed forces
  • Family or household members with ties to the armed forces, DoD, or National Guard
  • DoD civilian personnel who support the armed forces

What you’ll need to have ready

Personal details

When you apply for auto financing with Navy Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide NFCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

If you plan to refinance an existing loan, you also need to indicate specific details about your vehicle. These can include the vehicle identification number (VIN), exact mileage, current lender’s contact details, and the payoff amount.

Ways to apply for a Navy Federal auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-888-842-6328

Additional NFCU auto loan details

  • Automatic payment: Available.
  • Rate discounts: Rate discounts for members of the military.
  • Repayment frequency: Monthly.
  • Late payment fees: $29.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Digital banking, over the phone, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: 7,500 miles for loan terms greater than 72 months. 30,000 or fewer miles for new vehicles of 2022, 2023, and 2024 model years.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Flexible loan terms.
  • Quick turnaround time.
  • Convenient car-buying services.
  • Pre-approval offered.
  • No down payment required.
  • Co-applicants allowed.
  • No application fee and prepayment penalty.
  • Third-party and dealer purchases allowed.
  • Pre-approval valid for 90 calendar days from the date of the check.

Cons

  • $29 late payment fee.
  • Limited to members.
  • Loan payment due dates can’t be modified.

FREQUENTLY ASKED QUESTIONS

Are there discounts available on Navy Federal vehicle loans?

You can qualify for rate discounts if you’re on active duty or a retired military member. Note though that direct deposit is required.

How much interest does Navy Federal Credit Union charge on car loans?

Navy Federal’s auto loans start as low as 4.54% APR for new vehicles and 5.44% APR for used vehicles.

How to apply for a vehicle loan at Navy Federal?

Applications can be done online, over the phone, and in a local branch near you.

How can I contact Navy Federal Credit Union about my auto loan?

You can reach out to one of the stateside member reps at 1-888-842-6328.

What is the maximum term of a Navy Federal vehicle loan?

You can extend your loan repayments for as long as 96 months.

Are there early repayment fees on NFCU auto loans?

None. You can pay off your loan early without paying penalty fees.

What information do I need to provide when applying for an NFCU auto loan?

You need to provide your personal and contact information, such as your address, phone number, and email. If you already have a vehicle in mind, you also need to indicate more details. These include the VIN, the state where you’ll register it, mileage, and the dealer or seller’s name.

How long does an NFCU car loan take to be approved?

You can typically expect a loan decision in minutes.

Video: Money Minute – Navy Federal | Advantages of having a down payment when buying a car

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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